> For the complete documentation index, see [llms.txt](https://doc.youverify.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://doc.youverify.co/credit-report/nigerian-credit-report.md).
# Nigerian Credit Report
## Nigerian Credit Report
`POST` `{{baseurl}}/v2/api/identity/credit-report/ng/individual`
This endpoint allows you to validate the credit history of a Nigerian Individuals.
#### Headers
| Name | Type | Description |
| --------------------------------------- | ------ | ---------------- |
| token\* | String | API secret token |
#### Request Body
| Name | Type | Description |
| -------------------------------------------------- | ------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| id\* | String | Individual's identification number, this can be `BVN, Mobile Number, National ID, Pencom ID or Drivers License Number` of Individual you intend to search. When using (consumerName + dateOfBirth) OR accountNumber for search pass an empty string |
| isSubjectConsent\* | Boolean | Indicate subject has given consent. `Must be true` |
| consumerName | String | Consumer's name . When using id OR accountNumber for search pass an empty string |
| accountNumber | String | Consumer's account number When using id for search pass an empty string |
| dateOfBirth | String | Consumer's date of birth. When using id OR accountNumber for search pass an empty string |
| enquiryReason | String | Customer's Enquiry Reason |
{% tabs %}
{% tab title="Nigerian Credit Report Sample Request" %}
```json
{
"id": "22471069115",
"isSubjectConsent": true,
"consumerName": "",
"accountNumber": "",
"dateOfBirth": "",
"enquiryReason": "borrower_existing_credit"
}
```
{% endtab %}
{% endtabs %}
{% tabs %}
{% tab title="Found" %}
```json
{
"success": true,
"statusCode": 200,
"message": "success",
"data": {
"id": "64c71833e975429f54bfdaf4",
"parentId": null,
"status": "found",
"reason": null,
"personalDetailsSummary": [
{
"consumerID": "2599049",
"header": "PERSONAL DETAILS SUMMARY: Amos Testi ",
"referenceNo": null,
"nationality": "Nigeria",
"nationalIDNo": "",
"passportNo": null,
"driversLicenseNo": null,
"bankVerificationNo": "22471069115",
"pencomIDNo": "",
"otheridNo": "",
"birthDate": "26/01/1977",
"dependants": "0",
"gender": "Female",
"maritalStatus": null,
"residentialAddress1": "College Road Abaro Aladje",
"residentialAddress2": "Delta",
"residentialAddress3": "",
"residentialAddress4": " ",
"postalAddress1": null,
"postalAddress2": null,
"postalAddress3": null,
"postalAddress4": null,
"homeTelephoneNo": null,
"workTelephoneNo": null,
"cellularNo": "",
"emailAddress": "",
"employerDetail": null,
"propertyOwnedType": "",
"surname": "Amos",
"firstName": "Testi",
"otherNames": "",
"_id": "64c71835e975429f54bfdaf6"
}
],
"deliquencyInformation": [
{
"subscriberName": "",
"accountNo": "",
"periodNum": "",
"monthsinArrears": "",
"_id": "64c71835e975429f54bfdaf7"
}
],
"creditAccountSummary": [
{
"totalMonthlyInstalment": "17,205.00",
"totalOutstandingdebt": "0.00",
"totalAccountarrear": "2",
"amountarrear": "0.00",
"totalAccounts": "7",
"totalAccounts1": "0",
"totalaccountinGodcondition": "6",
"totalaccountinGoodcondition": "6",
"totalNumberofJudgement": "0",
"totalJudgementAmount": "0",
"lastJudgementDate": "-",
"totalNumberofDishonoured": "0",
"totalDishonouredAmount": "0.00",
"lastBouncedChequesDate": null,
"totalMonthlyInstalment1": "0.00",
"totalOutstandingdebt1": "0.00",
"totalAccountarrear1": "0",
"amountarrear1": "0.00",
"totalaccountinGodcondition1": "0",
"totalaccountinBadcondition": "0",
"totalNumberofJudgement1": "0",
"totalJudgementAmount1": "0",
"lastJudgementDate1": "-",
"totalNumberofDishonoured1": "0",
"totalDishonouredAmount1": "0.00",
"lastBouncedChequesDate1": null,
"rating": "118",
"_id": "64c71835e975429f54bfdaf8"
}
],
"creditAccountRating": [
{
"noOfHomeLoanAccountsGood": "0",
"noOfHomeLoanAccountsBad": "0",
"noOfAutoLoanccountsGood": "0",
"noOfAutoLoanAccountsBad": "0",
"noOfStudyLoanAccountsGood": "0",
"noOfStudyLoanAccountsBad": "0",
"noOfPersonalLoanAccountsGood": "0",
"noOfPersonalLoanAccountsBad": "0",
"noOfCreditCardAccountsGood": "0",
"noOfCreditCardAccountsBad": "0",
"noOfRetailAccountsGood": "0",
"noOfRetailAccountsBad": "0",
"noOfJointLoanAccountsGood": "0",
"noOfJointLoanAccountsBad": "0",
"noOfTelecomAccountsGood": "0",
"noOfTelecomAccountsBad": "0",
"noOfOtherAccountsGood": "6",
"noOfOtherAccountsBad": "0",
"_id": "64c71835e975429f54bfdaf9"
}
],
"creditAgreementSummary": [
{
"dateAccountOpened": "19/08/2021",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "032SPLG212310004",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "150,000.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": null,
"instalmentAmount": null,
"amountOverdue": "0.00",
"closedDate": "21/03/2022",
"loanDuration": "214",
"repaymentFrequency": "We",
"lastUpdatedDate": "21/04/2023",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdafa"
},
{
"dateAccountOpened": "18/11/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "032SPLI000000088",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "85,298.25",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": null,
"instalmentAmount": null,
"amountOverdue": "0.00",
"closedDate": "18/05/2021",
"loanDuration": "151",
"repaymentFrequency": "We",
"lastUpdatedDate": "21/04/2023",
"performanceStatus": "Watchlist",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdafb"
},
{
"dateAccountOpened": "31/08/2017",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5014734231",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "60,000.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": "0.00",
"instalmentAmount": "2,406.06",
"amountOverdue": "0.00",
"closedDate": "04/04/2018",
"loanDuration": "7",
"repaymentFrequency": "Weekly",
"lastUpdatedDate": "30/08/2018",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdafc"
},
{
"dateAccountOpened": "17/04/2018",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5015245293",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "90,000.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": "0.00",
"instalmentAmount": "3,615.23",
"amountOverdue": "0.00",
"closedDate": "21/11/2018",
"loanDuration": "7",
"repaymentFrequency": "Weekly",
"lastUpdatedDate": "11/01/2019",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdafd"
},
{
"dateAccountOpened": "07/12/2018",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5015825706",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "100,000.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": "0.00",
"instalmentAmount": "4,016.92",
"amountOverdue": "0.00",
"closedDate": "17/07/2019",
"loanDuration": "7",
"repaymentFrequency": "Not Available",
"lastUpdatedDate": "01/05/2019",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdafe"
},
{
"dateAccountOpened": "20/05/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5016864710",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "150,000.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": "0.00",
"instalmentAmount": "6,000.02",
"amountOverdue": "0.00",
"closedDate": "16/12/2020",
"loanDuration": "7",
"repaymentFrequency": "Weekly",
"lastUpdatedDate": "17/12/2020",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdaff"
},
{
"dateAccountOpened": "03/09/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5470023209",
"subAccountNo": "",
"indicatorDescription": null,
"openingBalanceAmt": "12,850.00",
"currency": "NGN",
"currentBalanceDebitInd": null,
"currentBalanceAmt": "0.00",
"instalmentAmount": "1,167.12",
"amountOverdue": "0.00",
"closedDate": "02/09/2021",
"loanDuration": "365",
"repaymentFrequency": "Not Available",
"lastUpdatedDate": "30/11/2020",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb00"
}
],
"accountMonthlyPaymentHistory": [
{
"dateAccountOpened": "19/08/2021",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "032SPLG212310004",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": null,
"lastPaymentDate": null,
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "We",
"openingBalanceAmt": "150,000.00",
"currentBalanceAmt": null,
"amountOverdue": "0.00",
"closedDate": "21/03/2022",
"lastUpdatedDate": "21/04/2023",
"performanceStatus": "Performing",
"loanDuration": "214 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb01"
},
{
"dateAccountOpened": "18/11/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "032SPLI000000088",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": null,
"lastPaymentDate": null,
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "We",
"openingBalanceAmt": "85,298.25",
"currentBalanceAmt": null,
"amountOverdue": "0.00",
"closedDate": "18/05/2021",
"lastUpdatedDate": "21/04/2023",
"performanceStatus": "Watchlist",
"loanDuration": "151 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb02"
},
{
"dateAccountOpened": "31/08/2017",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5014734231",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"lastPaymentDate": null,
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "Weekly",
"openingBalanceAmt": "60,000.00",
"currentBalanceAmt": "2,406.06",
"amountOverdue": "0.00",
"closedDate": "04/04/2018",
"lastUpdatedDate": "30/08/2018",
"performanceStatus": "Performing",
"loanDuration": "7 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb03"
},
{
"dateAccountOpened": "17/04/2018",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5015245293",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"lastPaymentDate": null,
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "Weekly",
"openingBalanceAmt": "90,000.00",
"currentBalanceAmt": "3,615.23",
"amountOverdue": "0.00",
"closedDate": "21/11/2018",
"lastUpdatedDate": "11/01/2019",
"performanceStatus": "Performing",
"loanDuration": "7 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb04"
},
{
"dateAccountOpened": "07/12/2018",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5015825706",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"lastPaymentDate": "27/03/2019",
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "Not Available",
"openingBalanceAmt": "100,000.00",
"currentBalanceAmt": "4,016.92",
"amountOverdue": "0.00",
"closedDate": "17/07/2019",
"lastUpdatedDate": "01/05/2019",
"performanceStatus": "Performing",
"loanDuration": "7 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb05"
},
{
"dateAccountOpened": "20/05/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5016864710",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"lastPaymentDate": "25/11/2020",
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "Weekly",
"openingBalanceAmt": "150,000.00",
"currentBalanceAmt": "6,000.02",
"amountOverdue": "0.00",
"closedDate": "16/12/2020",
"lastUpdatedDate": "17/12/2020",
"performanceStatus": "Performing",
"loanDuration": "7 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb06"
},
{
"dateAccountOpened": "03/09/2020",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"accountNo": "5470023209",
"subAccountNo": "",
"currency": "NGN",
"currentBalanceDebitInd": null,
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"lastPaymentDate": "02/09/2021",
"subscriberTypeInd": "M",
"accountNote": "",
"repaymentFrequencyCode": "Not Available",
"openingBalanceAmt": "12,850.00",
"currentBalanceAmt": "1,167.12",
"amountOverdue": "0.00",
"closedDate": "02/09/2021",
"lastUpdatedDate": "30/11/2020",
"performanceStatus": "Performing",
"loanDuration": "365 Day(s)",
"accountStatus": "Closed",
"_id": "64c71835e975429f54bfdb07"
}
],
"guarantorCount": [
{
"guarantorsSecured": "0",
"accounts": "0",
"_id": "64c71835e975429f54bfdb08"
}
],
"guarantorDetails": [
{
"guarantorFirstName": "",
"guarantorOtherName": "",
"guarantorNationalIDNo": "",
"guarantorPassport": "",
"guarantorDriverLicenceNo": "",
"guarantorPENCOMIDNo": "",
"guarantorOtherID": "",
"guarantorGender": "",
"guarantorDateOfBirth": "",
"guarantorAddress1": "",
"guarantorAddress2": "",
"guarantorAddress3": "",
"guarantorHomeTelephone": "",
"guarantorworkTelephone": "",
"guarantorMobileTelephone": "",
"_id": "64c71835e975429f54bfdb09"
}
],
"enquiryHistoryTop": [
{
"subscriberEnquiryResultID": null,
"dateRequested": null,
"subscriberName": null,
"enquiryReason": null,
"companyTelephoneNo": null,
"_id": "64c71835e975429f54bfdb0a"
}
],
"identificationHistory": [
{
"upDateDate": null,
"upDateOnDate": null,
"identificationNumber": null,
"identificationType": null,
"_id": "64c71835e975429f54bfdb0b"
}
],
"addressHistory": [
{
"upDateDate": null,
"upDateOnDate": null,
"address1": null,
"address2": null,
"address3": null,
"address4": null,
"addressTypeInd": null,
"_id": "64c71835e975429f54bfdb0c"
}
],
"employmentHistory": [
{
"upDateDate": null,
"upDateOnDate": null,
"employerDetail": null,
"occupation": null,
"_id": "64c71835e975429f54bfdb0d"
}
],
"telephoneHistory": [],
"isConsent": true,
"idNumber": "22471069115",
"businessId": "628b38f03ae28a14f52d4bf7",
"type": "ngIndividualCreditReport",
"requestedAt": "2023-07-31T02:11:00.924Z",
"requestedById": "628b38f03ae28a5a122d4bf3",
"country": "NG",
"createdAt": "2023-07-31T02:11:01.142Z",
"lastModifiedAt": "2023-07-31T02:11:01.142Z",
"metadata": {},
"requestedBy": {
"firstName": "API",
"lastName": "User",
"middleName": "",
"id": "628b38f03ae28a5a122d4bf3"
}
},
"links": []
}
```
{% endtab %}
{% tab title="Not Found" %}
```json
{
"success": true,
"statusCode": 200,
"message": "success",
"data": {
"id": "6493a6cdaa1aca5fb0203b57",
"parentId": null,
"status": "not_found",
"reason": "Person Not Found",
"personalDetailsSummary": [],
"deliquencyInformation": [],
"creditAccountSummary": [],
"creditAccountRating": [],
"creditAgreementSummary": [],
"accountMonthlyPaymentHistory": [],
"guarantorCount": [],
"guarantorDetails": [],
"enquiryHistoryTop": [],
"identificationHistory": [],
"addressHistory": [],
"employmentHistory": [],
"telephoneHistory": [],
"isConsent": true,
"idNumber": "22471069116",
"businessId": "628b38f03ae28a14f52d4bf7",
"type": "ngIndividualCreditReport",
"requestedAt": "2023-06-22T01:41:36.203Z",
"requestedById": "628b38f03ae28a5a122d4bf3",
"country": "NG",
"createdAt": "2023-06-22T01:41:36.389Z",
"lastModifiedAt": "2023-06-22T01:41:36.389Z",
"metadata": {},
"requestedBy": {
"firstName": "API",
"lastName": "User",
"middleName": "",
"id": "628b38f03ae28a5a122d4bf3"
}
},
"links": []
}
```
{% endtab %}
{% endtabs %}
{% tabs %}
{% tab title="Error Responses" %}
```json
HTTP/1.1 402 Payment Required
{
"success": false,
"statusCode": 402,
"message": "Insufficient fund",
"name": "PaymentRequiredError",
"data": {}
}
HTTP/1.1 500 Service Unavailable
{
"success": false,
"statusCode": 500,
"message": "Third-party provider not reachable",
"name": "Error",
"data": {}
}
HTTP/1.1 403 Forbidden
{
"success": false,
"statusCode": 403,
"message": "Permission denied",
"name": "UnauthorizedError",
"data": {}
}
HTTP/1.1 404 NotFound
{
"success": false,
"statusCode": 404,
"message": "You have attempted to get a resource that does not exist.",
"name": "ResourceNotFoundError",
"data": {}
}
```
{% endtab %}
{% endtabs %}
---
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If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.
Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:
```
GET https://doc.youverify.co/credit-report/nigerian-credit-report.md?ask=&goal=
```
`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
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